White Label vs. Payin API: A Deep Dive into Web3 Payment Solutions

Published : 2026-01-21 07:10

Core Concept Analysis


Payin API
As a foundational payment solution, it supports multi-chain (ETH/BNB/TRON/POLYGON etc.) and multi-currency (USDT/USDC/ETH/BNB) payments. Its core advantages include:

  • Integrated payments system (PC/H5 adaptive)
  • Multi-chain transaction reports and balance change tracking
  • Suitable for general payin scenarios
Payment API


White Label 
An customized upgrade on top of payment API services. Its core value lies in:

  • Brand-specific payment interface (logo replaceable)
  • No redirection to third-party payment terminals, completing payments entirely within merchant websites
  • Suitable for brand-oriented payment scenarios
Merchant Demo Image

Merchant Demo Image

Rate Difference


Payin API
The lowest handing fee 0.8%,and no additional fees

White Label 
The lowest handing fee 1%,and no additional fees

Selection Recommendations

White Label and Payin API are different concepts, although their APIs are basically related. White Label is a customized, logo-free cash register for branded merchants, which allows the merchant user to complete the entire process from product purchase to payment without a webpage jump, and also allows branded merchants to use their own merchant name and brand logo in the customized cash register.


Choose Collection API:

  • Need rapid integration
  • Project in early stage
  • Focus on basic payment functions


Choose White Label :

  • Require brand payment entrance
  • Have customization needs
  • Need deep integration with existing systems
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